Cash
Therefore, some customers hand over expensive goods to the pawnshop, and in a few minutes they return to buy back the bail by paying by credit card.
Operations of a one-day scheme with credit cards by pawnshop clients are made repeatedly and in large amounts – by hundreds of thousands of rubles. At this amount, several massive gold items can be laid in a pawnshop or an ornament with large diamonds. There are many cases of this kind, for example, the amount of such operations in the network of Fianit-Lombard (300 pawnshops) is estimated at 15 million rubles.
Pawnshop takes an order of one-day use of loans by an order of magnitude less than banks for withdrawing cash Funds from a credit card. “Enterprising citizens mortgage a thing in a pawnshop, and in a minute they buy out a pledge on a credit card in just 0.3-0.4%,” Vedomosti reports.
To any pawnshop such a short loan – 1-2 days – The average loan term is 30 days. In addition, with non-cash payment, pawnshop costs for acquiring amount to 3%, and the pawnshop incurs a loss. When large amounts are cashed, the pawnshop will need to spend another 2% for collection to replenish its cashier.
There are no formal grounds for refusing to carry out such an operation with serious pawnshop players. The law on the protection of consumer rights allows to refuse the use of card terminals only to enterprises with annual revenues of less than 120 million rubles, and the limitations on loan terms and commissions for various methods of payment are illegal.
“To us with such complaints pawnshops apply , I recommend that they go away from “card games”, – says the president of the League of Lombards Mikhail Unskov.
Pawnshops hope that the new scheme will interest Rosfinmonitoring. Although for payments of up to 600 000 rubles. Pawnshops do not have to report to the department, they take the initiative and inform the department themselves about suspicious customers. The press service of Rosfinmonitoring refused to comment, having redirected to the central bank pawnshop regulator.
The Central Bank of Russia is aware of this scheme, but according to the regulator, its scale is “relatively small” – about 100 million rubles. Per month.
While the regulator does not take the problem seriously, pawnshops themselves form black lists of such borrowers. In the list of “Fianit” there are already more than 300 blocked customers, who used the scheme repeatedly.
The network of pawnshops “Pledge of Success” in a contract with clients provides them with a choice: to return the loan in cash at any time or by wire transfer Calculation, but after three days. After refusing to immediately return the loan from the credit card, one of the clients of the pawnshop appealed to the court demanding compensation in the amount of 80,000 rubles, but the court found no violations of the law on the protection of consumers’ rights and found the client’s complaint unreasonable.
